Best Crypto Loan Platforms in 2025

Arch Lending Overview

Arch Lending offers a streamlined and secure crypto lending experience. Using crypto as collateral, users can quickly access funds without needing to sell their holdings. Arch Lending is known for its customer-friendly terms, including transparent interest rates, no hidden fees, and flexible loan-to-value (LTV) ratios. This makes it a solid choice for those seeking liquidity without sacrificing asset ownership.

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Rocko: Bitcoin Loan Marketplace

Rocko is a bitcoin loan marketplace that aggregates the best rates and protocols across DeFi, offering a one-stop solution for securing competitive crypto-backed loans. Users can compare interest rates and easily borrow from top DeFi protocols like Aave and Compound. Use Bitcoin, Ethereum, and more as collateral, with loans sent directly to your exchange account or Ethereum wallet. Use Rocko to ensure you’re getting the best rate on your bitcoin loan!

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Debifi

Debifi is a non-custodial lending platform that empowers Bitcoin users to unlock the potential of their holdings as the ultimate collateral. By utilizing secure multisig escrow and eliminating rehypothecation, Debifi delivers robust Bitcoin loan solutions tailored to individuals and institutions. This approach ensures that borrowers retain transparency, security, and control over their assets while accessing competitive loan terms globally.

The platform operates on core Bitcoin principles, prioritizing decentralization, financial freedom, and user sovereignty. Borrowers maintain control of their Bitcoin through a secure 3-of-4 multisig escrow system, which ensures funds can only move with the required signatures. This setup, combined with private key generation via mnemonic seed phrases and two-factor authentication, establishes a high-security standard unmatched in the lending space.

Debifi connects borrowers with institutional-grade liquidity, enabling access to high-volume loans with durations of up to one year. By aggregating global lenders, the platform fosters healthy competition, ensuring borrowers receive the best possible terms and rates. The flexibility of the platform extends to loan customization, supporting both stablecoin and fiat currencies with durations ranging from one month to a year, depending on the borrower's preferences.

Bitcoin's status as sound money is upheld by the platform's strict collateral requirements, using only Bitcoin to back loans. Transparency is further ensured through blockchain-based visibility of collateral, reducing counterparty risks. Debifi’s advanced margin call system proactively alerts borrowers when their Loan-to-Value ratio approaches critical thresholds, allowing timely action to prevent liquidation.

With zero rehypothecation policies, each loan is secured through a unique Bitcoin multisig address tied exclusively to the borrower-lender contract. The platform also collaborates with trusted partners for enhanced security during disputes or forced liquidations, and it offers competitive fees with no hidden costs, making it a straightforward and secure option for Bitcoin-backed lending.

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Figure Markets Review

Figure Markets is a next-generation platform designed to help crypto users earn, trade, and borrow in one seamless experience. Co-founded by Mike Cagney, former CEO of SoFi and Figure Lending, Figure Markets offers a unique approach to digital asset management by combining high-yield earning products, zero-fee crypto trading, and flexible lending solutions. New users can earn a 50 dollar bonus when they deposit and trade 100 dollars within 14 days of signing up, making it one of the most attractive welcome offers in the space.

The platform stands out for its focus on long-term value creation. With products like Forward Vault, users can earn up to 7 percent net yield on popular cryptocurrencies including bitcoin, ethereum, solana, and hash. For those seeking more stable returns, Figure also offers YLDS, an SEC-registered public security with yields up to 3.8 percent. Soon, Figure Markets will introduce tokenized real estate investment trusts with potential returns ranging from 15 to 20 percent, offering new ways for users to grow their wealth through crypto.

Unlike traditional crypto exchanges that only focus on trading, Figure Markets is built for users who want their assets to work for them at all times. Whether holding long term or actively responding to market movements, users can easily shift between yield earning and trading strategies without needing multiple platforms. Supported cryptocurrencies include bitcoin, ethereum, USDC, hash, uniswap, solana, and chainlink, giving users access to both established and emerging assets.

A key feature of Figure Markets is its Crypto Backed Loans product, which allows users to borrow against bitcoin and other supported tokens without selling. With competitive rates and an easy approval process, users can unlock liquidity while maintaining their long-term positions. This integrated lending and trading experience makes Figure a standout option for anyone looking to maximize flexibility and value from their crypto portfolio.

With no trading fees, innovative financial products, and a user-friendly design, Figure Markets delivers a powerful platform for earning and borrowing in the crypto space. Whether you're a new user or an experienced investor, the 50 dollar bonus for depositing and trading 100 dollars within the first 14 days is a great reason to get started.

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Xapo Bank

The Xapo Bank app brings together the services of a licensed private bank, regulated Virtual Asset Service Provider (VASP), and licensed money lender—all in a single app. Through Xapo Credit Limited, its licensed lending arm, Xapo offers Bitcoin-backed loans so you can unlock cash without selling your BTC.

Members can borrow up to $1 million USD, with loan-to-value (LTV) ratios between 20% and 40% based on their Bitcoin holdings. Interest rates start around 10% per year, with flexible 1 to 12-month terms, no hidden fees, and no early repayment penalties. Your Bitcoin stays securely locked in custody—never lent out or rehypothecated.

And the best part? Loan proceeds are credited instantly to your Xapo Bank account. You can spend your USD right away with your Xapo debit card, or transfer it out via:

• Bank transfer (USD, EUR, or GBP)
• Crypto transfer (BTC, USDT, USDC, or via the Lightning Network)
• UMA transfer

Xapo Bank also lets you earn 3.9% interest on USD and 0.5% on Bitcoin balances (up to 5 BTC), trade Bitcoin in-app, and spend globally with a debit card that has no foreign exchange fees. Membership costs $1,000 a year and includes all these benefits—plus industry-leading Bitcoin spreads at just 0.10% and zero trading fees and more!

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